Medical Payments (MedPay) Coverage

Medical payments coverage (MedPay) is usually around $5 a month, and medical payments coverage applies to medical or funeral expenses after a car accident. This includes EMT and ambulance services, hospital stays, and Xrays. MedPay coverage has no deductible or copay and can be used to supplement your health and auto insurance policies.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 2, 2020

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The Highlights

  • MedPay helps you pay medical bills or funeral expenses with no deductible or copay.
  • Adding medical payment coverage to your policy is usually inexpensive.
  • MedPay is used to supplement your auto insurance and health insurance, not replace those coverages.

Will my car insurance pay my medical bills? If you have only basic insurance, the answer is no. You would need to add medical payments coverage (MedPay) if you want help with your medical bills from an accident.

Most people assume that their car or health insurance will pay for any medical needs after an auto accident. While that can be the case, there is still a waiting period to have claims approved and usually a deductible that needs to be met. That’s where additional coverage may be a good option. Many companies offer this coverage and you can include it when you compare car insurance coverages and prices. Affordable medical payments coverage auto insurance is not hard to find.

When you’re shopping for car insurance, be sure to get medical payments coverage quotes as well. Enter your ZIP code now to start comparing quotes that include medical payments coverage rates.

MedPay Coverage

What do medical payments on auto insurance cover? Medical payments coverage applies to medical expenses of yourself, passengers, or family members hurt in a car accident. This coverage also extends to vehicular accidents if those covered are hit while walking, running, or on a bicycle.

What can MedPay be used for specifically? MedPay can be used for a variety of medical expenses and can supplement your current insurance with a high deductible or copay. Check out this table to see some of what is and isn’t covered by MedPay.

Medical Payment Car Insurance Coverage
Covered by MedPay Car InsuranceNot Covered by MedPay Car Insurance
Deductible and copays from your health insuranceHealth problems not related to an auto accident
Dental services from accident injuriesInjuries from a trailer attached to your car
Doctor visitsInjuries to the other driver if you are the at-fault driver
EMT feesMissed work
Funeral expenses
Hospital stays
Injuries not from a car accident, such as getting hit by a car as a pedestrian
Nursing services
Prosthetic limbs
Xrays
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Although your health insurance or basic car insurance policies can cover many of the same things, those policies usually require a deductible and sometimes you have to wait before your car insurance claims are approved.

With MedPay, you submit your costs and receive payment quickly. There is no deductible, copay, or waiting period. This type of coverage doesn’t have high limits because it’s not stand-alone insurance. MedPay is intended as supplemental coverage.

There are many types of auto insurance and add-ons that help you customize your policy. Watch this video to learn more about the types of coverages available to you.

Auto insurance is not one-size-fits-all. The coverages you add to your policy should reflect your needs. Take a look at the insurance coverage you currently have and speak with your agent to determine if adding MedPay is the right choice for you.

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Determining How Much MedPay Should I Have

How much medical payments coverage do I need? That all depends on the health and car insurance coverages you normally carry. If you carry plans with high deductibles or copays, adding MedPay may be an inexpensive way to help you cover the gaps.

This coverage should be used to supplement your current coverages since it doesn’t usually offer but a few thousand dollars of coverage.

The advantages are that you won’t be stuck paying a high deductible and it can supplement your other coverages to help you pay all of your bills.

Most states require minimum liability insurance coverage for drivers. According to NOLO, this minimum coverage will pay for property damages and bodily injury for the other driver if you cause an accident, but won’t pay anything for your car or injuries. Adding extra coverages like MedPay can help give you the coverage you need.

Medical Payments Coverage vs PIP and Bodily Injury

What is the difference between bodily injury and medical expenses? Auto insurance medical payments vs bodily injury is a matter of who is at fault in an accident and how much coverage is available.

Bodily injury usually refers to injuries sustained if you are at fault in an accident. The car insurance company of the at-fault driver usually pays for any injuries from an accident. However, if a driver is carrying minimum insurance, the coverage may not pay for all medical bills.

MedPay will help pay for medical bills regardless of who is at fault and can be accessed immediately.

MedPay and PIP are both no-fault insurance coverages available to help you with your medical bills. The medical payments coverage definition is slightly different from PIP, which covers other expenses like lost wages.

Medical payments coverage in a personal auto policy is intended to supplement your health insurance, but not the medical payments coverage on your homeowners insurance, which is separate. It’s also fairly easy to add on to your existing auto insurance. The cost will vary based on different factors like your age.

Medical payments coverage from State Farm and other companies is generally very affordable.

If you would like to buy medical payments coverage, be sure to note that when you shop around for car insurance. Compare quotes to find the coverage you want at a great price. Enter your ZIP code now to compare auto insurance quotes with MedPay.

References:

  1. https://www.nolo.com/legal-encyclopedia/what-if-im-at-fault-for-a-car-accident.html

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